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Critical Illness Insurance Advantage

Comprehensive CoverThese
insurances pay a fixed benefit if you get any of the
specified critical illnesses. The payment is not linked to
actual costs incurred by you. Increasingly, these plans
cover a large number of diseases some of which may not be
covered under a under a regular mediclaim.

Covers Out-of-pocket ExpensesCritical
illnesses can result in high incidental costs such as loss
of wages, home nurses, and medical equipment. These costs
are not covered under a regular mediclaim insurance. The
benefit of a critical illness plan is that these costs are
compensated for by the fixed benefit.

Higher Sum Insured
Medical inflation is reported to be increasing by over 20
per cent each year. A high sum assured critical illness
plan provides an excellent way of safeguarding yourself
against future increases.

No Restrictions On Use Of Claim Benefit When the claim is made, the lump sum amount is
given to you for treatment, irrespective of what it is used
for - specialist’s fees or medicines. This amount can also
be used to pay off liability, support the dependents or any
other financial purpose too.

Why Claims Get Rejected?

Non-Disclosure

Non-disclosure of important medical information may cause
the Insurer to deny the claim. This can range from an
inadvertent omission that was important to deliberate lapses to
reduce your premium.

Filing A Fraudulent Claim

The insurer will thoroughly investigate your claim. If
they find that it was fudged, not only will they reject it but
will also blacklist you. This means that other insurers may
also reject your application for health insurance.

Unavailability Of Medical Documents

Insurance companies will process the claims mostly based
on the documents provided, although they may also opt to have
independent tests done by their appointed physician to look
into the diagnosis of the critical illness. If the person
insured fails to provide these documents, his claim will be
denied.

Claim Documentation

Duly filled and signed claim form, Photocopy of ID
card, a medical certificate confirming the diagnosis of
critical illness from a doctor not less qualified than
MD/MS, Investigation reports/ other related documents
reflecting the critical illness diagnosis, original detailed
discharge summary / day care summary from the hospital.

Add-on Cover

Some add on to cover include: Child education benefit,
liability benefit, accidental death and partial or total
disability due to accidents.

Exclusions

Any pre-existing conditions/ diseases/ injuries at the
inception of the policy cover, Treatment received overseas,
Medical treatment required following any criminal act of the
insured.

Why SecureNow

DeepProduct Knowledge

We have specialized marine
underwriters and tie-ups with
international experts.

Cost-effectiveInsurance

We work with all insurers
to get you the best
options- both in terms of
price and features.

Quick Turnaround

Cover notes are issued
within hours of request.
This ensures that your
goods don’t sit idle at any
stage.

Strong Claim Support

We manage all aspects of
your claim - from survey
appointment to
documentation to insurer
follow-up.

Value AddedServices

We will advice you on risk
management best
practices.

Policy AdministrationSystem (PAM)

See all your contracts
renewal information in
one place. Place service
requests on PAM.

FAQs

Critical Illness Insurance can help safeguard your finances by providing you with a lump-sum payment when your family needs it most. The tax free payment you receive is yours to spend as you see fit and in addition to any other insurance you may have. It helps protect yourself, your family and your budget from the impact of a critical illness.

Each company differs in its exclusions for critical illness payouts. Some common exclusions are drug related claims, self-inflicted injuries and claims arisen from war. Some companies may exclude conditions from a policy if you have a pre-existing medical condition, for example it's unlikely that a company would cover you for cancer if you've had cancer before.

An Insured Person can choose to secure an expert opinion from Insurance Company’s network of Medical Practitioners, if he/she is diagnosed with a covered Critical Illness during the Policy Period. This benefit can be availed once, by each Insured person during the lifetime of a policy for a particular Critical Illness.

No, once a claim for a particular Critical Illness has been admitted and paid, the coverage under the Policy will automatically terminate for that Insured person. If the Policy is issued to more than one individual, it will continue to be in force for the remaining members.

A basic health insurance policy generally pays hospitalization bills. But a health insurance would not be enough if you are diagnosed of a critical illness. To help you tide over such medical exigencies, there are critical illness insurance plans that you should consider.
Some health insurance plans come bundled with critical illness (as rider or add-on), but a standalone critical illness plan is more comprehensive both in terms of covered and the amount of cover it offers.

The critical illness policy provides a lump sum payment of amount equal to the Sum Insured in an event mentioned in policy, whereas existing care product only provides the payment equal to the Sum Insured or treatment cost, whichever is lower.